NOW, THEREFORE, BE IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF AMARILLO, TEXAS:

Save this PDF as:

Size: px
Start display at page:

Download "NOW, THEREFORE, BE IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF AMARILLO, TEXAS:"

Transcription

1 8/12/14 ORDINANCE NO. AN ORDINANCE OF THE CITY OF AMARILLO, TEXAS: AMENDING THE AMARILLO MUNICIPAL CODE OF ORDINANCES TO ADDCHAPTER 14-10, CREDIT ACCESS BUSINESS, PROVIDING FOR DEFINITIONS, REGISTRATION REQUIREMENTS, CREDIT EXTENSION GUIDELINES, INSPECTION OF RECORDS, AND OTHER; PROVIDING FOR SEVERABILITY; PROVIDING FOR REPEALER; PROVIDING A PENALTY; PROVIDING FOR PUBLICATION AND EFFECTIVE DATE. WHEREAS, certain credit access businesses engage in abusive and predatory lending practices, offering easy money to those members of our community who are in a tight spot with onerous terms and fees; and WHEREAS, the practices of certain access businesses cause members of our community to become trapped in a cycle of short term, high interest loans resulting in large debt and huge payments; and WHEREAS, the Pew Charitable Trusts, in their publication entitled Payday Lending in America: Who Borrows, Where they Borrow, and Why, (July 2012), wrote that payday loans are sold as two-week credit products that provide fast cash, but borrowers are actually indebted for an average of five months per year. The report further noted that on average, a borrower takes out eight loans of $375 each per year and spends $520 on interest; and WHEREAS, the Pew Charitable Trusts, in their publication entitled Payday Lending in America: Who Borrows, Where they Borrow, and Why, (July 2012), also noted: How much borrowers spend on loans depends heavily on the fees permitted by their state. The same $500 storefront loan would generally cost about $55 in Florida, $75 in Nebraska, $87.50 in Alabama, and $100 in Texas, even if it were provided by the same national company in all those states. Previous research has found that lenders tend to charge the maximum permitted in a state; and WHEREAS, the Pew Charitable Trusts, in their publication entitled Payday Lending in America: Who Borrows, Where they Borrow, and Why, (July 2012), also stated that the vast majority of borrowers use the loans on a long-term basis, not temporary one. Thus it seems that the payday loan industry is selling a product few people use as designed and that imposes debt that is consistently more costly and longer lasting than advertised; and WHEREAS, the Community Financial Services Association of America (CFSA), the national trade association for companies that offer small dollar, short-term loans or payday advances includes the following in the Member Best Practices as listed on its internet site ( Members shall not allow customers to rollover a payday advance (the extension of an outstanding advance by payment of only a fee) unless expressly authorized by state law, but in such cases where authorized will limit rollovers to four or the state limit, whichever is less. The need for consumer understanding was also outlined on this website: A contract between a member and the customer must fully outline the terms of the payday advance transaction. Members agree to disclose the cost of the service fee both as a dollar amount and as an annual percentage rate ( APR ); and WHEREAS, the Center for Responsible Lending, a non-profit, non-partisan organization, states on its internet site ( /tools-resources/fast-facts.html) that: car title loans are based on the value of a borrower s car - the ability to repay the loans is not factor in the lending decision ; loan rates for a car title are typically times that of rates charged by credit card issuers ; the average car title customer renews their loan 8 times ; and, on a $500 title loan, this average customer will pay back $650 in interest over eight months; the principal borrowed will be in addition; and WHEREAS, lenders hold onto the motor vehicle title and when borrowers cannot continue to pay the fees, they can lose their vehicles, which can drastically affect the borrower s means of transportation for work and other essential household functions; and

2 WHEREAS, the City Council finds that the terms of this ordinance strike a reasonable balance between the rights of the loan industry to operate and prosper versus some minimal consumer protections; NOW, THEREFORE, BE IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF AMARILLO, TEXAS: SECTION 1. The Amarillo Municipal Code, Title XIV be and hereby is amended to add chapter to read as follows: Sec Short Title and Purpose. Chapter CREDIT ACCESS BUSINESSES (a) This article may be known and cited as the Credit Access Businesses Regulation. (b) The purpose of this article is to protect the welfare of the citizens of the City of Amarillo by monitoring credit access businesses in an effort to reduce abusive and predatory lending practices. To this end, this article establishes a registration program for credit access businesses, imposes restrictions on extensions of consumer credit made by credit access businesses, and imposes recordkeeping requirements on credit access businesses. Sec Definitions. As used in this chapter: (1) Certificate of registration means a certificate of registration issued by the director under this article to the owner or operator of a credit access business. (2) Consumer means an individual who is solicited to purchase or who purchases the services of a credit access business. (3) Consumer s language of preference is the language the consumer understands best. (4) Credit access business has the meaning given that term in Section of the Texas Finance Code. (5) Deferred presentment transaction has the meaning given that term in Section of the Texas Finance Code. (6) Director means the director of the department designated by the City Manager to enforce and administer this chapter. (7) Extension of consumer credit has the meaning given that term in Section of the Texas Finance Code. (8) Motor vehicle title loan has the meaning given that term in Section of the Texas Finance Code. (9) Person means any individual, corporation, organization, partnership, association, financial institution, or any other legal entity. (10) Registrant means a person issued a certificate of registration for a credit access business under this chapter and includes all owners and operators of the credit access business identified in the registration application filed under this chapter. (11) State license means a license to operate a credit access business issued by the Texas Consumer Credit Commissioner under Chapter 393, Subchapter G of the Texas Finance Code.

3 Sec Violations; Penalty. (a) A person who violates a provision of this chapter, or who fails to perform an act required of the person by this chapter, commits an offense. A person commits a separate offense for each and every violation relating to an extension of consumer credit, and for each day during which a violation is committed, permitted, or continued. (b) An offense under this chapter is punishable by a fine of not more than $500. (c) A culpable mental state is not required for the commission of an offense under this article and need not be proved. (d) The penalties provided for in Subsection (b) are in addition to any other remedies that the city may have under city ordinances, charter, or state law. Sec Applicability; Defenses. (a) This article does not apply to those persons and transactions described in Texas Finance Code section (as amended), Texas Pawnshop Act, or the Uniform Commercial Code. (b) This article applies only to those persons and transactions required to be licensed by the state as a credit access business under Chapter 393, Subchapter G, of the Texas Finance Code. It is a defense to prosecution under this article that at the time of the alleged offense the person was not required to be licensed by the state as a credit access business under Chapter 393, Subchapter G, of the Texas Finance Code. Sec Registration Required; Offense. A person commits an offense if the person acts, operates, or conducts businesses as a credit access business without a valid certificate of registration. A certificate of registration is required for each physically separate credit access business. Sec Registration Application. (a) To obtain a certificate of registration for a credit access business, a person must submit an application on a form provided for that purpose to the director. The application must contain the following: (1) The name, street address, mailing address, facsimile number, and telephone number of the applicant. (2) The business or trade name, street address, mailing address, facsimile number, and telephone number of the credit access business. (3) The names, street addresses, mailing addresses, and telephone numbers of all owners of the credit access business, and the nature and extent of each person s interest in the credit access business. (4) A copy of a current, valid state license held by the credit access business pursuant to Chapter 393, Subchapter G of the Texas Finance Code. (5) A copy of a current, valid certificate of occupancy showing that the credit access business is in compliance with this Code of Ordinances. (6) A non-refundable application fee of $. This fee is due for both an original application and a renewal.

4 (b) An applicant or registrant shall notify the director within 45 days after any material change in the information contained in the application for a certificate of registration, including, but not limited to, any change of address and any change in the status of the state license held by the applicant or registrant. Sec Issuance and Display of Certificate of Registration; Presentment. (a) The director shall issue to the applicant a certificate of registration upon receiving a completed application under Section (b) A certificate of registration issued under this section must be conspicuously displayed to the public in the credit access business. The certificate of registration must be presented upon request to the director or any peace officer for examination. Sec Expiration and Renewal of Certificate of Registration. (a) A certificate of registration expires on the earliest of: (1) One year after the date of issuance; or (2) The date of revocation, suspension, surrender, expiration without renewal, or other termination of the registrant s state license. (b) A certificate of registration may be renewed by making application and paying the fee in accordance with Section A registrant shall apply for renewal at least 30 days before the expiration of the registration. Sec Non-transferability. A certificate of registration for a credit access business is not transferable. Sec Maintenance of Records. (a) A credit access business shall maintain a complete set of records of all extensions of consumer credit arranged or obtained by the credit access business, whether an original transaction or refinancing or renewal of an extension of consumer credit, which must include the following information: (1) The name and address of the consumer. (2) The principal amount of cash actually advanced. (3) The length of the extension of consumer credit, including the number of installments and renewals. (4) The fees charged by the credit access business to arrange or obtain an extension of consumer credit; and (5) The documentation used to establish a consumer s income under Section (c). (b) A credit access business shall maintain a copy of each written agreement between the credit access business and a consumer evidencing an extension of a consumer credit (including, but not limited to, any refinancing or renewal granted to the consumer). (c) A credit access business shall maintain copies of all quarterly reports filed with the Texas Consumer Credit Commissioner under Section of the Texas Finance Code. (d) The records required to be maintained by a credit access business under this section must be retained for at least three years after date of an extension of credit (whether in the form of an original,

5 refinance, or renewal transaction) expires, terminates, or is cancelled. Such records at each registered location shall be made available for inspection by the Director or his designee, agent, contractor, at that location, upon request during the usual and customary business hours of the credit access business. Sec Restriction on Extension of Consumer Credit. (a) The cash advanced under an extension of consumer credit that a credit access business obtains for a consumer or assists a consumer in obtaining in the form of a deferred presentment transaction may not exceed twenty percent (20%) of the consumer s gross monthly income. (b) The cash advanced under an extension of consumer credit that a credit access business obtains for a consumer or assists a consumer in obtaining in the form of a motor vehicle title loan may not exceed the lesser of: (1) Three percent (3%) of the consumer s gross annual income; or (2) 70 percent (70%) of the retail value of the motor vehicle. (c) A credit access business shall retain a copy of one or more of the following documents used to establish or determine a consumer s income: a paycheck issued to the consumer and dated within the same month as the consumer applies for extension of consumer credit; an IRS Form W-2 issued to the consumer for the preceding tax year; the consumer s personal income tax return for the preceding tax year; or, a signed letter from the consumer s employer signed and dated within the month in which an extension of consumer credit is sought, which states the length of the employer s payroll period and the total wages that the employer pays or expects to pay to the consumer per payroll period. (d) An extension of consumer credit that a credit access business obtains for a consumer or assists a consumer in obtaining and that provides for repayment in installments may not be payable in more than four installments. Proceeds from each installment must be used to repay at least 25 percent of the principal amount of the extension of consumer credit. An extension of consumer credit that provides for repayment in installments many not be refinanced or renewed. (e) An extension of consumer credit that a credit access business obtains for a consumer or assists a consumer in obtaining and that provides for a single lump sum repayment may not be refinanced or renewed more than three times. Proceeds from each refinancing or renewal must be used to repay at least 25 percent of the principal amount of the original extension of consumer credit. (f) For purposes of this section, an extension of consumer credit that is made to a consumer within seven days after a previous extension of consumer credit has been paid by the consumer will constitute a refinancing or renewal. Sec Requirement of Consumer Understanding of Agreement. (a) Every agreement between the credit access business and a consumer evidencing an extension of consumer credit (including but not limited to, an original transaction and any refinancing or renewal) and each required notice, disclosure, and other forms must be written in and available for use in English and Spanish at that location. The consumer shall select which of those language versions shall be used for the transaction. This section does not restrict or prevent a credit access business from having and using agreements and other documents that are written in other languages that are commonly encountered at that location, for use by consumers who choose to use forms in such other language(s), if available.

6 (b) For a consumer who cannot read, every agreement between the credit access business and that consumer evidencing an extension of consumer credit (including but not limited to, an original transaction, any refinancing or renewal), disclosure, and notice required by law must be read orally to the consumer in English or Spanish. The consumer must provide for any additional or further interpretation into another language, if needed or desired. Sec Referral to Consumer Credit Counseling. A credit access business shall provide a form, to be prescribed by the Director, to each consumer seeking assistance in obtaining an extension of consumer credit which references non-profit agencies that provide financial education and training programs and agencies with cash assistance programs. The form will also contain information regarding extensions of consumer credit, and must include the information required by Sec (a)(1)-(4) specific to the loan agreement with the consumer. If the Director has prescribed a form in the consumer s language of preference, the form must be provided in the consumer s language of preference. SECTION 2. Severability. If any provision, section, subsection, sentence, clause or the application of same to any person or set of circumstances for any reason is held to be unconstitutional, void or invalid or for any reason unenforceable, the validity of the remaining portions of this ordinance or the application thereby shall remain in effect, it being the intent of the City Council of the City of Amarillo, Texas in adopting this ordinance, that no portion thereof or provision contained herein shall become inoperative or fail by any reasons of unconstitutionality of any other portion or provision. SECTION 3. Repealer. All ordinances, parts of ordinances resolutions and parts of resolutions in conflict with this ordinance are hereby repealed to the extent of conflict with this ordinance. SECTION 4. Penalty. A violation of this ordinance is an offense punishable in accordance with the terms stated in SECTION 1 of this ordinance, to be codified at Section of the Amarillo Municipal Code of Ordinances. SECTION 5. Publishing and Effective Date. This ordinance shall be published and become effective according to law. INTRODUCED AND PASSED by the City Council of the City of Amarillo, Texas, on First Reading this the day of, 2014; and PASSED on Second and Final Reading the day of, ATTEST: Frances Hibbs, City Secretary Paul Harpole, Mayor

College Station, TX. Legislation Details (With Text)

College Station, TX. Legislation Details (With Text) College Station, TX 1101 Texas Ave College Station, TX 77840 Legislation Details (With Text) File #: 14-292 Version: 1 Name: Credit Access Business Type: Ordinance Status: Agenda Ready File created: On

More information

ORDINANCE NO. ORDINANCE NO. 12-1078-010.001 / PL#149988 Ordinance amending Title 5 Adding Credit Access Businesses SMC

ORDINANCE NO. ORDINANCE NO. 12-1078-010.001 / PL#149988 Ordinance amending Title 5 Adding Credit Access Businesses SMC ORDINANCE NO. AN ORDINANCE AMENDING TITLE 5 (BUSINESS LICENSE AND PERMIT REGULATIONS) OF THE EL PASO CITY CODE BY ADDING CHAPTER 5.17(CREDIT ACCESS BUSINESSES) IN ORDER TO SET FORTH REGISTRATION REQUIRMENTS

More information

City of Houston, Texas, Ordinance No. 2013-

City of Houston, Texas, Ordinance No. 2013- City of Houston, Texas, Ordinance No. 2013- AN ORDINANCE AMENDING CHAPTER 28 OF THE CODE OF ORDINANCES OF HOUSTON, TEXAS, RELATING TO CONSUMER PROTECTION AND REGULATION OF CREDIT ACCESS BUSINESSES; CONTAINING

More information

CREDIT ACCESS BUSINESSES.

CREDIT ACCESS BUSINESSES. 6/2212011 8 ORDINANCE NO. An ordinance adding Article XI, composed of Sections 50-144 through 50-151.3, to CHAPTER 50, "CONSUMER AFFAIRS," of the Dallas City Code, as amended; defining terms; requiring

More information

CAUSE NO. ACE CASH EXPRESS, INC., IN THE DISTRICT COURT OF. v. DENTON COUNTY, TEXAS

CAUSE NO. ACE CASH EXPRESS, INC., IN THE DISTRICT COURT OF. v. DENTON COUNTY, TEXAS CAUSE NO. Filed 13 July 19 P3:43 Sherri Adelstein District Clerk Denton District ACE CASH EXPRESS, INC., IN THE DISTRICT COURT OF Plaintiff, v. DENTON COUNTY, TEXAS THE CITY OF DENTON, TEXAS Defendant.

More information

ORDINANCE NO. PAGE 1 TOWN OF FLOWER MOUND, TEXAS ORDINANCE NO.

ORDINANCE NO. PAGE 1 TOWN OF FLOWER MOUND, TEXAS ORDINANCE NO. ORDINANCE NO. PAGE 1 TOWN OF FLOWER MOUND, TEXAS ORDINANCE NO. AN ORDINANCE OF THE TOWN COUNCIL OF THE TOWN OF FLOWER MOUND, TEXAS, AMENDING APPENDIX A FEE SCHEDULE, OF THE CODE OF ORDINANCES TO AMEND

More information

Mon. ICBA Summary of the Military Lending Act Updated Regulation. August 2015. Month Year. Contact:

Mon. ICBA Summary of the Military Lending Act Updated Regulation. August 2015. Month Year. Contact: ICBA Summary of the Military Lending Act Updated Regulation August 2015 Month Year Mon Contact: Joe Gormley Assistant Vice President & Regulatory Counsel joseph.gormley@icba.org www.icba.org ICBA Summary

More information

Payday and Auto Title Credit Access Businesses: Federal Law, State Law, and Self-Imposed Industry Standards

Payday and Auto Title Credit Access Businesses: Federal Law, State Law, and Self-Imposed Industry Standards Payday and Auto Title Credit Access Businesses: Federal Law, State Law, and Self-Imposed Industry Standards EL PASO BASED COMPLIANCE SURVEY: FALL 2012 Effective January 1, 2012, payday and auto title lenders

More information

PAYDAY AND TITLE LOANS

PAYDAY AND TITLE LOANS PAYDAY AND TITLE LOANS Payday loan? A payday loan also known as cash advance is a form of an unsecured, short term loan that is meant to cover applicant s short term expenses. The loan is repaid on an

More information

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1991 H 1 HOUSE BILL 22

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 1991 H 1 HOUSE BILL 22 GENERAL ASSEMBLY OF NORTH CAROLINA SESSION H HOUSE BILL Short Title: Regulate Reverse Mortgages. (Public) Sponsors: Representatives Brubaker, Easterling, Hasty, Ligon, Lineberry, Privette, and Woodard.

More information

Credit Services Organization Act 24 O.S. 131 148

Credit Services Organization Act 24 O.S. 131 148 Credit Services Organization Act 24 O.S. 131 148 Chapter 8 Credit Services Organization Act Section 131 Short Title This act shall be known and may be cited as the "Credit Services Organization Act". Added

More information

protect neighborhoods from becoming blighted due to the increased number of foreclosed

protect neighborhoods from becoming blighted due to the increased number of foreclosed ORDINANCE NO. 2014- SEMINOLE COUNTY, FLORIDA 2 4 6 8 10 12 14 16 AN ORDINANCE CREATING CHAPTER 95, ARTICLE III, OF THE SEMINOLE COUNTY CODE, REGISTRATION AND MAINTENANCE OF FORECLOSED PROPERTIES; PROVIDING

More information

Idaho Credit Code Fast Facts

Idaho Credit Code Fast Facts Idaho Credit Code Fast Facts C.L. BUTCH OTTER Governor GAVIN M. GEE Director The provisions of the Idaho Credit Code (Idaho Code 28-41-101, et seq.), apply to credit transactions in Idaho for personal,

More information

The Board of Supervisors of the County of Riverside ordain as follows:

The Board of Supervisors of the County of Riverside ordain as follows: ORDINANCE NO. 558 (AS AMENDED THROUGH 558.13) AN ORDINANCE OF THE COUNTY OF RIVERSIDE AMENDING ORDINANCE NO. 558 TO AUTHORIZE TRADITIONAL AND REMOTE CALLER BINGO GAMES The Board of Supervisors of the County

More information

ORDINANCE NO. 5293 AN ORDINANCE AMENDING CITY CODE CHAPTER 3-1 REGARDING FALSE ALARMS.

ORDINANCE NO. 5293 AN ORDINANCE AMENDING CITY CODE CHAPTER 3-1 REGARDING FALSE ALARMS. ORDINANCE NO. 5293 AN ORDINANCE AMENDING CITY CODE CHAPTER 3-1 REGARDING FALSE ALARMS. WHEREAS, the City is proposing a number of changes to its false alarm billing system, including outsourcing its false

More information

The Military Lending Act. Michael S. Archer Legal Assistance Director Marine Corps Installations east

The Military Lending Act. Michael S. Archer Legal Assistance Director Marine Corps Installations east The Military Lending Act Michael S. Archer Legal Assistance Director Marine Corps Installations east 1. Recognizing that troops are often targeted by commercial predators, and that such predation adversely

More information

ORDINANCE NO. RECITALS. WHEREAS, the Board of County Commissioners, by Ordinance No. 2002-034,

ORDINANCE NO. RECITALS. WHEREAS, the Board of County Commissioners, by Ordinance No. 2002-034, ORDINANCE NO. AN ORDINANCE AMENDING CHAPTER 2-5, ARTICLE VI OF THE CHARLOTTE COUNTY CODE, SECURITY ALARM SYSTEMS; AMENDING THE DEFINITION OF ALARM SITE AND ALARM USER; PROVIDING FOR THE APPLICATION OF

More information

IC 24-4.5-7 Chapter 7. Small Loans

IC 24-4.5-7 Chapter 7. Small Loans IC 24-4.5-7 Chapter 7. Small Loans IC 24-4.5-7-101 Citation Sec. 101. This chapter shall be known and may be cited as Uniform Consumer Credit Code Small Loans. As added by P.L.38-2002, SEC.1. IC 24-4.5-7-102

More information

ORDINANCE NUMBER 3325 AN ORDINANCE OF THE CITY COUNCIL AMENDING CHAPTER 15.48 OF THE MISSOULA MUNICIPAL CODE ENTITLED "ALARM SYSTEMS"

ORDINANCE NUMBER 3325 AN ORDINANCE OF THE CITY COUNCIL AMENDING CHAPTER 15.48 OF THE MISSOULA MUNICIPAL CODE ENTITLED ALARM SYSTEMS ORDINANCE NUMBER 3325 AN ORDINANCE OF THE CITY COUNCIL AMENDING CHAPTER 15.48 OF THE MISSOULA MUNICIPAL CODE ENTITLED "ALARM SYSTEMS" BE IT ORDAINED that Chapter 15.48 of Missoula Municipal Code is hereby

More information

Chapter 24 Title Lending Registration Act. Part 1 General Provisions

Chapter 24 Title Lending Registration Act. Part 1 General Provisions Chapter 24 Title Lending Registration Act Part 1 General Provisions 7-24-101 Title. This chapter is known as the "Title Lending Registration Act." 7-24-102 Definitions. As used in this chapter: (1) "Nationwide

More information

COMMUNICATION NO. 313635 PROPOSED ORDINANCE AMENDMENT. Sponsored by

COMMUNICATION NO. 313635 PROPOSED ORDINANCE AMENDMENT. Sponsored by COMMUNICATION NO. 313635 PROPOSED ORDINANCE AMENDMENT Sponsored by THE HONORABLE TONI PRECKWINKLE, PRESIDENT, EARLEAN COLLINS, JERRY BUTLER, JOHN P. DALEY, JESUS G. GARCIA, EDWIN REYES, ROBERT B. STEELE

More information

Alachua County Board of County Commissioners ORDINANCE 07-

Alachua County Board of County Commissioners ORDINANCE 07- Alachua County Board of County Commissioners ORDINANCE 07- AN ORDINANCE OF THE BOARD OF COUNTY COMMISSIONERS OF ALACHUA COUNTY, FLORIDA; AMENDING CHAPTER 39.4. OCCUPATIONAL LICENSE TAX TO COMPLY WITH CHANGES

More information

Miami-Dade Police Department Burglar Alarm Ordinance

Miami-Dade Police Department Burglar Alarm Ordinance Miami-Dade Police Department Burglar Alarm Ordinance On September 29 th 2014, the Miami-Dade County Commission amended the Burglar Alarm Ordinance. The following is an overview of the ordinance for informational

More information

CHAPTER 7 OCCUPATION TAX ORDINANCE ARTICLE 1: OCCUPATION TAX

CHAPTER 7 OCCUPATION TAX ORDINANCE ARTICLE 1: OCCUPATION TAX CHAPTER 7 OCCUPATION TAX ORDINANCE ARTICLE 1: OCCUPATION TAX 7-101 Occupation Tax Required; Occupation Tax Required for Business Dealings in Bryan County 7-102 Construction of Terms: Definitions 7-103

More information

QUARTERLY UPDATE TO THE SENATE BUSINESS AND COMMERCE COMMITTEE October 10, 2013 BY THE OFFICE OF CONSUMER CREDIT COMMISSIONER

QUARTERLY UPDATE TO THE SENATE BUSINESS AND COMMERCE COMMITTEE October 10, 2013 BY THE OFFICE OF CONSUMER CREDIT COMMISSIONER QUARTERLY UPDATE TO THE SENATE BUSINESS AND COMMERCE COMMITTEE October 10, 2013 BY THE OFFICE OF CONSUMER CREDIT COMMISSIONER SB 247: Property Tax Loans IMPLEMENTATION OF LEGISLATION FROM THE 83RD LEGISLATURE

More information

Talent Amendment Limitations on Terms of Consumer Credit Extended to Service Members and Dependents

Talent Amendment Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Talent Amendment Limitations on Terms of Consumer Credit Extended to Service Members Dependents Background Department of Defense (DoD) regulations implementing the consumer protection provisions of the

More information

GENERAL ASSEMBLY OF NORTH CAROLINA 1991 SESSION CHAPTER 546 HOUSE BILL 22

GENERAL ASSEMBLY OF NORTH CAROLINA 1991 SESSION CHAPTER 546 HOUSE BILL 22 GENERAL ASSEMBLY OF NORTH CAROLINA 1991 SESSION CHAPTER 546 HOUSE BILL 22 AN ACT TO REGULATE REVERSE MORTGAGES. The General Assembly of North Carolina enacts: Section 1. Chapter 53 of the General Statutes

More information

NC General Statutes - Chapter 53 Article 21 1

NC General Statutes - Chapter 53 Article 21 1 Article 21. Reverse Mortgages. 53-255. Title. This Article shall be known and may be cited as the Reverse Mortgage Act. (1991, c. 546, s. 1; 1995, c. 115, s. 1.) 53-256. Purpose. It is the intent of the

More information

BILL ANALYSIS. Senate Research Center H.B. 1188 By: Danburg (Patterson, Harris) State Affairs 5-14-97 Engrossed

BILL ANALYSIS. Senate Research Center H.B. 1188 By: Danburg (Patterson, Harris) State Affairs 5-14-97 Engrossed BILL ANALYSIS Senate Research Center H.B. 1188 By: Danburg (Patterson, Harris) State Affairs 5-14-97 Engrossed DIGEST Currently, state law permits a homeowner to use a home as collateral for only five

More information

John S. Allison, Commissioner Sections 1 11, 13 and 14 Effective on March 30, 2006 Section 12 Effective on July 1, 2006

John S. Allison, Commissioner Sections 1 11, 13 and 14 Effective on March 30, 2006 Section 12 Effective on July 1, 2006 STATE OF MISSISSIPPI DEPARTMENT OF BANKING AND CONSUMER FINANCE CONSUMER FINANCE DIVISION REGULATIONS FOR THE SMALL LOAN REGULATORY LAW AND SMALL LOAN PRIVILEGE TAX LAW John S. Allison, Commissioner Sections

More information

CHAPTER 536 REGULATED LOANS

CHAPTER 536 REGULATED LOANS CHAPTER 536 REGULATED LOANS 536.1 Title license required. 536.2 Application fees. 536.3 Bond. 536.4 Grant or refusal of license. 536.5 License form posting. 536.6 Additional bond available assets. 536.7

More information

STATE OF OKLAHOMA. 2nd Session of the 43rd Legislature (1992) AS INTRODUCED AN ACT RELATING TO BANKING; PROVIDING SHORT TITLE;

STATE OF OKLAHOMA. 2nd Session of the 43rd Legislature (1992) AS INTRODUCED AN ACT RELATING TO BANKING; PROVIDING SHORT TITLE; STATE OF OKLAHOMA 2nd Session of the 43rd Legislature (1992) SENATE BILL NO. 774 BY: KERR AS INTRODUCED AN ACT RELATING TO BANKING; PROVIDING SHORT TITLE; DEFINING TERMS; AUTHORIZING CERTAIN LENDERS TO

More information

HOUSE BILL 2242 AN ACT AMENDING TITLE 6, ARIZONA REVISED STATUTES, BY ADDING CHAPTER 16; RELATING TO REVERSE MORTGAGES.

HOUSE BILL 2242 AN ACT AMENDING TITLE 6, ARIZONA REVISED STATUTES, BY ADDING CHAPTER 16; RELATING TO REVERSE MORTGAGES. Senate Engrossed House Bill State of Arizona House of Representatives Forty-ninth Legislature Second Regular Session HOUSE BILL AN ACT AMENDING TITLE, ARIZONA REVISED STATUTES, BY ADDING CHAPTER ; RELATING

More information

HOUSE BILL No. 2235. AN ACT regulating vehicle title loans.

HOUSE BILL No. 2235. AN ACT regulating vehicle title loans. Session of 0 HOUSE BILL No. By Committee on Commerce and Economic Development - 0 0 AN ACT regulating vehicle title loans. Be it enacted by the Legislature of the State of Kansas: Section. (a) Except as

More information

INSPECTION FEES; PROVIDING FOR SEVERABILITY; ALLOWING FOR READING OF THIS ORDINANCE BY TITLE ONLY; AND PROVIDING AN EFFECTIVE DATE.

INSPECTION FEES; PROVIDING FOR SEVERABILITY; ALLOWING FOR READING OF THIS ORDINANCE BY TITLE ONLY; AND PROVIDING AN EFFECTIVE DATE. ORDINANCE NO. 07-4724 AN ORDINANCE OF THE CITY OF SARASOTA, FLORIDA SETTING REQUIREMENTS FOR OBTAINING PERMITS TO WORK IN THE PUBLIC RIGHTS-OF-WAY; AUTHORIZING FEES AND SURCHARGES; REQUIRING TRAFFIC MAINTENANCE

More information

Excerpts from LWV-TX Facts & Issues Payday & Auto Title Loans in Texas

Excerpts from LWV-TX Facts & Issues Payday & Auto Title Loans in Texas Excerpts from LWV-TX Facts & Issues Payday & Auto Title Loans in Texas This document provides information in the document provided by LWVTX Facts & Issues for the Study of this issue with the intent of

More information

SAN FRANCISCO ADMINISTRATIVE CODE CHAPTER 96: COORDINATION BETWEEN THE POLICE DEPARTMENT AND THE OFFICE OF CITIZEN COMPLAINTS

SAN FRANCISCO ADMINISTRATIVE CODE CHAPTER 96: COORDINATION BETWEEN THE POLICE DEPARTMENT AND THE OFFICE OF CITIZEN COMPLAINTS SAN FRANCISCO ADMINISTRATIVE CODE CHAPTER 96: COORDINATION BETWEEN THE POLICE DEPARTMENT AND THE OFFICE OF CITIZEN COMPLAINTS SEC. 96.1. DEFINITIONS. (a) "Chief of Police" shall mean the Chief of the Police

More information

Title 9-A: MAINE CONSUMER CREDIT CODE

Title 9-A: MAINE CONSUMER CREDIT CODE Title 9-A: MAINE CONSUMER CREDIT CODE Article 2: Finance Charges and Related Provisions Table of Contents Part 1. GENERAL PROVISIONS... 3 Section 2-101. SHORT TITLE... 3 Section 2-102. SCOPE... 3 Part

More information

CONSUMER MORTGAGE PROTECTION ACT Act 660 of 2002. The People of the State of Michigan enact:

CONSUMER MORTGAGE PROTECTION ACT Act 660 of 2002. The People of the State of Michigan enact: CONSUMER MORTGAGE PROTECTION ACT Act 660 of 2002 AN ACT to prohibit certain lending practices; to require disclosure of certain information for home loans; to prescribe certain duties and obligations of

More information

Senate Bill No. 620 CHAPTER 547

Senate Bill No. 620 CHAPTER 547 Senate Bill No. 620 CHAPTER 547 An act to amend Sections 787, 1725.5, 10127.10, and 10509.8 of, and to add Sections 7.9, 7.10, 1724, and 1749.8 to, the Insurance Code, relating to insurance. [Approved

More information

RULES OF THE TENNESSEE DEPARTMENT OF FINANCIAL INSTITUTIONS CHAPTER 0180-24 RULES PERTAINING TO HOME EQUITY CONVERSION MORTGAGES TABLE OF CONTENTS

RULES OF THE TENNESSEE DEPARTMENT OF FINANCIAL INSTITUTIONS CHAPTER 0180-24 RULES PERTAINING TO HOME EQUITY CONVERSION MORTGAGES TABLE OF CONTENTS RULES OF THE TENNESSEE DEPARTMENT OF FINANCIAL INSTITUTIONS CHAPTER 0180-24 RULES PERTAINING TO HOME EQUITY CONVERSION MORTGAGES TABLE OF CONTENTS 0180-24-.01. In General 0180-24-.02. Requirement of Designation

More information

Payday and Auto Title Lending

Payday and Auto Title Lending Payday and Auto Title Lending LBJ SCHOOL OF PUBLIC AFFAIRS Center for Politics & Governance Executive Summary Payday and auto title lending is a fast growing industry in Texas. 1 In 2004, there were approximately

More information

Please see Section IX. for Additional Information:

Please see Section IX. for Additional Information: The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) BILL: CS/SB 626 Prepared By: The

More information

QUARTERLY UPDATE TO THE SENATE BUSINESS AND COMMERCE COMMITTEE January 16, 2014 BY THE OFFICE OF CONSUMER CREDIT COMMISSIONER

QUARTERLY UPDATE TO THE SENATE BUSINESS AND COMMERCE COMMITTEE January 16, 2014 BY THE OFFICE OF CONSUMER CREDIT COMMISSIONER QUARTERLY UPDATE TO THE SENATE BUSINESS AND COMMERCE COMMITTEE January 16, 2014 BY THE OFFICE OF CONSUMER CREDIT COMMISSIONER SB 247: Property Tax Loans IMPLEMENTATION OF LEGISLATION FROM THE 83RD LEGISLATURE

More information

Fair Credit Billing Act

Fair Credit Billing Act Truth in Lending Act, Amendments Fair Credit Billing Act 15 USC 1601 July 9, 1986 THE FAIR CREDIT BILLING ACT Public Law 93-495 93rd Congress - H.R. 11221 TITLE III - FAIR CREDIT BILLING 301. Short Title

More information

STATE HIGH COST/PREDATORY LENDING REGULATIONS Updated 1/10/2014

STATE HIGH COST/PREDATORY LENDING REGULATIONS Updated 1/10/2014 STATE HIGH COST/PREDATORY LENDING REGULATIONS Updated 1/10/2014 State: Law: Cite: North Carolina NC High Cost Home Loan Law NC Rate Spread Home Loans Check both rules HB 2188 effective 10/01/2008 changes

More information

HOUSE OF REPRESENTATIVES STAFF ANALYSIS REFERENCE ACTION ANALYST STAFF DIRECTOR SUMMARY ANALYSIS

HOUSE OF REPRESENTATIVES STAFF ANALYSIS REFERENCE ACTION ANALYST STAFF DIRECTOR SUMMARY ANALYSIS HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: HB 1109 Title Loan Lenders SPONSOR(S): Smith TIED BILLS: IDEN./SIM. BILLS: REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Economic Development, Trade & Banking

More information

STATE OF OKLAHOMA. 2nd Session of the 44th Legislature (1994) AS INTRODUCED An Act relating to professions and occupations;

STATE OF OKLAHOMA. 2nd Session of the 44th Legislature (1994) AS INTRODUCED An Act relating to professions and occupations; STATE OF OKLAHOMA 2nd Session of the 44th Legislature (1994) HOUSE BILL NO. 1984 By: Phillips AS INTRODUCED An Act relating to professions and occupations; amending 59 O.S. 1991, Sections 1002, as amended

More information

ORDINANCE NO. 2014-40

ORDINANCE NO. 2014-40 ORDINANCE NO. 2014-40 AN ORDINANCE AMENDING 2006-106 AS AMENDED CHAPTER 530 OF THE CODE OF THE ENTITLED PROPERTY, ABANDONED AND NUISANCE WHEREAS, recent events in the local and national housing market

More information

Chapter 5.56 EMERGENCY ALARM SYSTEMS

Chapter 5.56 EMERGENCY ALARM SYSTEMS Chapter 5.56 EMERGENCY ALARM SYSTEMS Sections: 5.56.010 Definitions. 5.56.020 Permit Required. 5.56.025 Permit; Alarm Business. 5.56.030 Permit; Alarm User. 5.56.040 Alarm User Response. 5.56.050 Fees;

More information

Chapter 30 Home Equity Conversion Mortgages. 47-30-103. Authorized lenders Designation Application.

Chapter 30 Home Equity Conversion Mortgages. 47-30-103. Authorized lenders Designation Application. Chapter 30 Home Equity Conversion Mortgages 47-30-101. Short title. 47-30-102. Definitions. 47-30-103. Authorized lenders Designation Application. 47-30-104. Compliance Noncomplying loans unenforceable

More information

BE IT RESOLVED BY THE MAYOR AND COMMON COUNCIL OF THE TOWN OF FREDONIA, ARIZONA:

BE IT RESOLVED BY THE MAYOR AND COMMON COUNCIL OF THE TOWN OF FREDONIA, ARIZONA: A RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE TOWN OF FREDONIA, ARIZONA, DECLARING AS A PUBLIC RECORD THAT CERTAIN DOCUMENT FILED WITH THE TOWN CLERK AND ENTITLED "THE CODE OF THE TOWN OF FREDONIA,

More information

Neustar Referral Partnership Agreement

Neustar Referral Partnership Agreement Neustar Referral Partnership Agreement This NEUSTAR REFERRAL AFFILIATE PARTNERSHIP AGREEMENT ( Agreement ) is made and entered into between Neustar, Inc. a Delaware Corporation, located at 46000 Center

More information

STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO

STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF REVENUE DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO COMPULSORY INSURANCE OR FINANCIAL RESPONSIBILITY WALTER R. CRADDOCK,

More information

TITLE I SAFETY AND SOUNDNESS. Subtitle A Deposit Insurance Funds

TITLE I SAFETY AND SOUNDNESS. Subtitle A Deposit Insurance Funds Public Law 102-242 102d Congress An Act Dec. 19, 1991 [S. 543] Federal Deposit Insurance Corporation Improvement Act o f 1991. 12, USC 1811 note. To require the least-cost resolution o f insured depository

More information

This chapter shall be known and may be cited as the "Home Equity Conversion Mortgage Act."

This chapter shall be known and may be cited as the Home Equity Conversion Mortgage Act. Source: http://www.lexisnexis.com/hottopics/tncode/ 47-30-101. Short title. This chapter shall be known and may be cited as the "Home Equity Conversion Mortgage Act." HISTORY: Acts 1993, ch. 410, 2. 47-30-102.

More information

City of Houston, Texas, Ordinance No. 2007-

City of Houston, Texas, Ordinance No. 2007- City of Houston, Texas, Ordinance No. 2007- AN ORDINANCE AMENDING CHAPTER 11 OF THE CODE OF ORDINANCES, HOUSTON, TEXAS, RELATING TO BURGLAR ALARMS, PANIC, HOLDUP AND SIMILAR ALARM SYSTEMS; CONTAINING FINDINGS

More information

The various sections of the bill have different effective dates as outlined in the summary below.

The various sections of the bill have different effective dates as outlined in the summary below. California Senate Bill 620 Impacts agents selling in the state of California only. This information, as it relates to products offered by Security Benefit Life Insurance Company, is being provided to you

More information

Department of Economic Development

Department of Economic Development Rules of Department of Economic Development Division 140 Division of Finance Chapter 5 Small Loan Companies Title Page 4 CSR 140-5.010 Audits...3 4 CSR 140-5.020 Lending Activities...3 CODE OF STATE REGULATIONS

More information

Visa Business Card Disclosure Agreement

Visa Business Card Disclosure Agreement P.O. Box 8046 Madison, WI 53718-8308 (608) 243-5000 (800) 236-5560 Fax: (608) 243-5029 www.summitcreditunion.com TABULAR DISCLOSURE Annual Percentage Rate 8.00%* (APR for Purchases) Other APR s: Cash Advance

More information

Notice of Intent to Adopt Rules

Notice of Intent to Adopt Rules 1. General Information a. Agency/Board Name Notice of Intent to Adopt Rules Revised July 2014 b. Agency/Board Address c. City d. Zip Code e. Name of Contact Person f. Contact Telephone Number g. Contact

More information

NC General Statutes - Chapter 24 1

NC General Statutes - Chapter 24 1 Chapter 24. Interest. Article 1. General Provisions. 24-1. Legal rate is eight percent. The legal rate of interest shall be eight percent (8%) per annum for such time as interest may accrue, and no more.

More information

CITY OF AURORA CITY COUNCIL ORDINANCE NUMBER DATE OF PASSAGE

CITY OF AURORA CITY COUNCIL ORDINANCE NUMBER DATE OF PASSAGE DRAFT PETITIONER: The City of Aurora ORDINANCE NUMBER DATE OF PASSAGE CITY OF AURORA CITY COUNCIL AN ORDINANCE AMENDING CHAPTER 25 OF THE CITY OF AURORA CODE OF ORDINANCES TO ADD A NEW ARTICLE XI THERETO

More information

Senate Bill 1149 Summary -- Prohibit Predatory Lending

Senate Bill 1149 Summary -- Prohibit Predatory Lending MEMORANDUM TO: FROM: Hal D. Lingerfelt Commissioner of Banks L. McNeil Chestnut Assistant Attorney General DATE: August 25, 1999 RE: Senate Bill 1149 Summary -- Prohibit Predatory Lending I. Background

More information

WAGE WITHHOLDING FOR DEFAULTED STUDENT LOANS A HANDBOOK FOR EMPLOYERS

WAGE WITHHOLDING FOR DEFAULTED STUDENT LOANS A HANDBOOK FOR EMPLOYERS WAGE WITHHOLDING FOR DEFAULTED STUDENT LOANS A HANDBOOK FOR EMPLOYERS TABLE of CONTENTS A Letter to Employers.3 The Student Loan Program...4 Collection Authority...4 The Basic Steps Employers Follow for

More information

Texas, Local, & Self-Imposed Standards for Payday & Auto Title Credit Access Businesses A Dallas-Based Compliance Survey: May 2012

Texas, Local, & Self-Imposed Standards for Payday & Auto Title Credit Access Businesses A Dallas-Based Compliance Survey: May 2012 Texas, Local, & Self-Imposed Standards for Payday & Auto Title Credit Access Businesses A Dallas-Based Compliance Survey: May 2012 Effective January 2012, payday and auto title businesses operating under

More information

8.25.010 Title. This chapter shall be known as the alarm system control ordinance and shall be so cited and pleaded. [Ord. 1288 1, 2009.

8.25.010 Title. This chapter shall be known as the alarm system control ordinance and shall be so cited and pleaded. [Ord. 1288 1, 2009. Chapter 8.25 ALARMS Effective August 1, 2013 8.25.010 Title. This chapter shall be known as the alarm system control ordinance and shall be so cited and pleaded. [Ord. 1288 1, 2009.] 8.25.020 Purpose.

More information

BOND ORDINANCE NO. 16-2015

BOND ORDINANCE NO. 16-2015 BOND ORDINANCE NO. 16-2015 AN ORDINANCE OF THE CITY COUNCIL OF THE CITY OF ELIZABETHTOWN, KENTUCKY, AUTHORIZING AND APPROVING THE ISSUANCE OF GENERAL OBLIGATION REFUNDING BONDS, SERIES OF 2015 IN A PRINCIPAL

More information

1$0675 ORDINANCE NO. _. An ordinance adding Article 7.2 to Chapter IV of the Los Angeles Municipal Code to regulate mortgage modification consultants.

1$0675 ORDINANCE NO. _. An ordinance adding Article 7.2 to Chapter IV of the Los Angeles Municipal Code to regulate mortgage modification consultants. 1$0675 ORDINANCE NO. _ An ordinance adding Article 7.2 to Chapter IV of the Los Angeles Municipal Code to regulate mortgage modification consultants. THE PEOPLE OF THE CITY OF LOS ANGELES DO ORDAIN AS

More information

WORKING TO END POVERTY. Predatory Lending 101: How You Can Take Action

WORKING TO END POVERTY. Predatory Lending 101: How You Can Take Action WORKING TO END POVERTY Predatory Lending 101: How You Can Take Action Mission: To move 250,000 people permanently out of poverty by 2020 Vision: Unite all sectors of the community around identifying and

More information

63rd Legislature AN ACT REPEALING THE MONTANA TITLE LOAN ACT; AMENDING SECTIONS 31-1-106, 31-1-111,

63rd Legislature AN ACT REPEALING THE MONTANA TITLE LOAN ACT; AMENDING SECTIONS 31-1-106, 31-1-111, 63rd Legislature HB0118 AN ACT REPEALING THE MONTANA TITLE LOAN ACT; AMENDING SECTIONS 31-1-106, 31-1-111, 31-1-112, 31-1-401, AND 32-5-103, MCA; REPEALING SECTIONS 31-1-801, 31-1-802, 31-1-803, 31-1-804,

More information

PART 3 HEALTH CLUBS 47-18-301. Definitions. As used in this part, unless the context otherwise requires: (1) Buyer means a purchaser under a health

PART 3 HEALTH CLUBS 47-18-301. Definitions. As used in this part, unless the context otherwise requires: (1) Buyer means a purchaser under a health PART 3 HEALTH CLUBS 47-18-301. Definitions. As used in this part, unless the context otherwise requires: (1) Buyer means a purchaser under a health club agreement; (2) Commissioner means the commissioner

More information

Alarms. Chapter 27 ALARMS. Definitions. Police Alarm System. Alarm System Requirements Alarm System Inspections Alarm Agent Permits

Alarms. Chapter 27 ALARMS. Definitions. Police Alarm System. Alarm System Requirements Alarm System Inspections Alarm Agent Permits Chapter 27 ALARMS '27.1 '27.1-1 '27.1-2 '27.1-3 '27.1-4 '27.1-5 '27.1-6 '27.1-7 '27.1-8 '27.1-9 '27.1-10 '27.1-11 '27.1-12 '27.1-13 '27.1-14 '27.1-15 '27.1-16 '27.1-17 '27.1-18 '27.1-19 '27.1-20 '27.1-21

More information

Texas State, Local, and Self-Imposed Standards for Payday and Auto Title Credit Access Businesses

Texas State, Local, and Self-Imposed Standards for Payday and Auto Title Credit Access Businesses Texas State, Local, and Self-Imposed Standards for Payday and Auto Title Credit Access Businesses AN AUSTIN-BASED COMPLIANCE SURVEY: JUNE-JULY 2012 Effective January 1, 2012, payday and auto title lenders

More information

- CODE OF ORDINANCES Chapter 11 - BURGLAR AND FIRE ALARM PROTECTIVE SERVICES ARTICLE III BURGLAR ALARMS, PANIC ALARMS AND OTHER SIMILAR ALARM SYSTEMS

- CODE OF ORDINANCES Chapter 11 - BURGLAR AND FIRE ALARM PROTECTIVE SERVICES ARTICLE III BURGLAR ALARMS, PANIC ALARMS AND OTHER SIMILAR ALARM SYSTEMS ARTICLE III BURGLAR ALARMS, PANIC ALARMS AND OTHER SIMILAR ALARM SYSTEMS [3] Sec. 11-50. Application; purpose. Sec. 11-51. Definitions. Sec. 11-52. Alarm permit required; violation; penalty. Sec. 11-53.

More information

CHAPTER 26.1-45 LONG-TERM CARE INSURANCE

CHAPTER 26.1-45 LONG-TERM CARE INSURANCE CHAPTER 26.1-45 LONG-TERM CARE INSURANCE 26.1-45-01. Definitions. In this chapter, unless the context requires otherwise: 1. "Applicant" means: a. In the case of an individual long-term care insurance

More information

MasterCard Credit Card Disclosures

MasterCard Credit Card Disclosures MasterCard Credit Card Disclosures Annual Percentage Rate (APR) for Purchases 12.99% Fixed APR for Balance Transfers 19.99% Fixed APR for Cash Advances 19.99% Fixed Penalty APR and When it Applies: None

More information

CHAPTER 26 HEATING, AIR CONDITIONING AND REFRIGERATION COMMISSION AND CONTRACTORS

CHAPTER 26 HEATING, AIR CONDITIONING AND REFRIGERATION COMMISSION AND CONTRACTORS CHAPTER 26 HEATING, AIR CONDITIONING AND REFRIGERATION COMMISSION AND CONTRACTORS 1. BUILDING OFFICIAL AND INSPECTION DIVISION. Whenever the words "Inspection Division" are used in this chapter, it shall

More information

Chapter 21 Credit Services Organizations Act

Chapter 21 Credit Services Organizations Act Chapter 21 Credit Services Organizations Act 13-21-1 Short title. This chapter is known as the "Credit Services Organizations Act." Enacted by Chapter 29, 1985 General Session 13-21-2 Definitions -- Exemptions.

More information

PLEASE NOTE. For more information concerning the history of this Act, please see the Table of Public Acts.

PLEASE NOTE. For more information concerning the history of this Act, please see the Table of Public Acts. PLEASE NOTE This document, prepared by the Legislative Counsel Office, is an office consolidation of this Act, current to March 17, 2008. It is intended for information and reference purposes only. This

More information

NORTH CAROLINA GENERAL ASSEMBLY 1981 SESSION CHAPTER 956 HOUSE BILL 89

NORTH CAROLINA GENERAL ASSEMBLY 1981 SESSION CHAPTER 956 HOUSE BILL 89 NORTH CAROLINA GENERAL ASSEMBLY 1981 SESSION CHAPTER 956 HOUSE BILL 89 AN ACT TO REGULATE PRECIOUS METAL BUSINESSES. Whereas, theft of all types of property, particularly theft of precious metals, has

More information

Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels

Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels Who needs to register? Frequently Asked Questions for Professional Solicitors and Professional Fundraising Counsels Professional Solicitors and Professional Fundraising Counsels must register. A Professional

More information

24-1.1E. Restrictions and limitations on high-cost home loans.

24-1.1E. Restrictions and limitations on high-cost home loans. 24-1.1E. Restrictions and limitations on high-cost home loans. (a) Definitions. The following definitions apply for the purposes of this section: (1) "Affiliate" means any company that controls, is controlled

More information

ORDINANCE NO. 04- I O

ORDINANCE NO. 04- I O ORDINANCE NO. 04- I O AN ORDINANCE OF THE BOARD OF COUNTY COMMISSIONERS OF ALACHUA COUNTY, FLORIDA AMENDING CHAPTER 123, ARTICLE I1 OF THE ALACHUA COUNTY CODE RELATING TO COURT FILING FEES AND COSTS; PROVIDING

More information

Chapter 5.60 BINGO. Sections:

Chapter 5.60 BINGO. Sections: Chapter 5.60 BINGO Sections: 5.60.010 Statutory authority. 5.60.011 Remote Caller Bingo authorized. 5.60.020 Definitions. 5.60.030 License--Required. 5.60.040 License--Application--Contents. 5.60.041 License--Application--Contents

More information

ORDINANCE NO. 1-2010

ORDINANCE NO. 1-2010 ORDINANCE NO. 1-2010 AN ORDINANCE OF SPRINGFIELD TOWNSHIP, MERCER COUNTY, PENNSYLVANIA, PROVIDING FOR THE REGISTRATION OF ALARM SYSTEMS INSTALLED WITHIN THE TOWNSHIP; ESTABLISHING CERTAIN STANDARDS FOR

More information

Please see Section IX. for Additional Information:

Please see Section IX. for Additional Information: The Florida Senate BILL ANALYSIS AND FISCAL IMPACT STATEMENT (This document is based on the provisions contained in the legislation as of the latest date listed below.) Prepared By: The Professional Staff

More information

PRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

PRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT Interest Rate and Interest Charges For Purchases P.O. Box 419001 Melbourne, FL 32941-9001 (321) 752-2222 FAX (321) 729-8161 PRICING INFORMATION ADDENDUM CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE

More information

CITY OF STEAMBOAT SPRINGS, COLORADO ORDINANCE NO. 1868

CITY OF STEAMBOAT SPRINGS, COLORADO ORDINANCE NO. 1868 CITY OF STEAMBOAT SPRINGS, COLORADO ORDINANCE NO. 1868 AN ORDINANCE PROVIDING FOR THE CREATION AND COLLECTION OF AN EXCISE TAX TO BE PAID AT THE TIME OF ISSUING A BUILDING PERMIT TO OFFSET THE COSTS TO

More information

STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF TRANSPORTATION DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO

STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF TRANSPORTATION DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS DEPARTMENT OF TRANSPORTATION DIVISION OF MOTOR VEHICLES AMENDED RULES AND REGULATIONS RELATIVE TO COMPULSORY INSURANCE OR FINANCIAL RESPONSIBILITY DANTE

More information

Chapter 14:14 MONEYLENDING AND RATES OF INTEREST ACT. Acts 9/1930, 25/1948,59/1961,6/1967, 7/1972, 5/1981, 30/1984, 22/2001; 16/2004. R.G.N. 554/1962.

Chapter 14:14 MONEYLENDING AND RATES OF INTEREST ACT. Acts 9/1930, 25/1948,59/1961,6/1967, 7/1972, 5/1981, 30/1984, 22/2001; 16/2004. R.G.N. 554/1962. Section Chapter 14:14 MONEYLENDING AND RATES OF INTEREST ACT Acts 9/1930, 25/1948,59/1961,6/1967, 7/1972, 5/1981, 30/1984, 22/2001; 16/2004. R.G.N. 554/1962. ARRANGEMENT OF SECTIONS 1. Short title. 2.

More information

NOW THEREFORE, BE IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF FRISCO, TEXAS, THAT:

NOW THEREFORE, BE IT ORDAINED BY THE CITY COUNCIL OF THE CITY OF FRISCO, TEXAS, THAT: CITY OF FRISCO, TEXAS ORDINANCE NO.15-01-04 AN ORDINANCE OF THE CITY OF FRISCO, TEXAS, ESTABLISHING ARTICLE VI (EMERGENCY MEDICAL SERVICES AND PRIVATE AMBULANCES) OF CHAPTER 38 (FIRE PREVENTION AND EMERGENCY

More information

HOUSE BILL No. 2087. By Committee on Insurance 1-26. AN ACT enacting the Kansas professional employer organization licensing

HOUSE BILL No. 2087. By Committee on Insurance 1-26. AN ACT enacting the Kansas professional employer organization licensing Session of 00 HOUSE BILL No. 0 By Committee on Insurance - 0 0 AN ACT enacting the Kansas professional employer organization licensing act. Be it enacted by the Legislature of the State of Kansas: Section.

More information

GUIDELINES FOR FINANCINGS OF EDUCATIONAL AND CULTURAL INSTITUTIONS

GUIDELINES FOR FINANCINGS OF EDUCATIONAL AND CULTURAL INSTITUTIONS COLORADO EDUCATIONAL AND CULTURAL FACILITIES AUTHORITY GUIDELINES FOR FINANCINGS OF EDUCATIONAL AND CULTURAL INSTITUTIONS The following guidelines provide a general overview of the requirements of the

More information

ILLINOIS CREDIT REPAIR LAWS

ILLINOIS CREDIT REPAIR LAWS ILLINOIS CREDIT REPAIR LAWS This page contains information about starting a credit repair business in Illinois as well as legal information and Credit Repair laws for the State of Illinois. IL ST Ch. 815,

More information

As used in 211 CMR 97.00, the following words mean:

As used in 211 CMR 97.00, the following words mean: 211 CMR 97.00 PROCEDURES FOR CANCELLATION AND NON-RENEWAL OF MOTOR VEHICLE INSURANCE POLICIES Section 97.01: Purpose, Scope and Authority 97.02: Definitions 97.03: Policy Cancellation 97.04: Content of

More information

BUCKS COUNTY DEPARTMENT OF HEALTH RULES AND REGULATIONS FOR CONDUCTING AND OPERATING FOOD FACILITIES

BUCKS COUNTY DEPARTMENT OF HEALTH RULES AND REGULATIONS FOR CONDUCTING AND OPERATING FOOD FACILITIES BUCKS COUNTY DEPARTMENT OF HEALTH RULES AND REGULATIONS FOR CONDUCTING AND OPERATING FOOD FACILITIES EFFECTIVE DATE: October 1, 2014 BUCKS COUNTY DEPARTMENT OF HEALTH RULES AND REGULATIONS FOR CONDUCTING

More information

COLORADO CONSUMER EQUITY PROTECTION ACT July 1, 2011

COLORADO CONSUMER EQUITY PROTECTION ACT July 1, 2011 COLORADO CONSUMER EQUITY PROTECTION ACT July 1, 2011 Table of Contents COLORADO CONSUMER EQUITY PROTECTION ACT... 1 PART 1 OBLIGOR PROTECTION... 1 5-3.5-101. Definitions.... 1 5-3.5-102. Protection of

More information

MODEL LAW ON MOTOR VEHICLE INSPECTION BY INDEPENDENT CONTRACTORS AND SELF INSPECTORS

MODEL LAW ON MOTOR VEHICLE INSPECTION BY INDEPENDENT CONTRACTORS AND SELF INSPECTORS MODEL LAW ON MOTOR VEHICLE INSPECTION BY INDEPENDENT CONTRACTORS AND SELF INSPECTORS Section 1. Definitions.-- As used in this act, the term: (1) "Contractor" means any person, corporation, or partnership

More information

BILL NO. B-48-2015 ORDINANCE NO. 1299 TOWNSHIP OF O HARA ALLEGHENY COUNTY, PENNSYLVANIA

BILL NO. B-48-2015 ORDINANCE NO. 1299 TOWNSHIP OF O HARA ALLEGHENY COUNTY, PENNSYLVANIA TOWNSHIP OF O HARA ALLEGHENY COUNTY, PENNSYLVANIA AN ORDINANCE OF THE TOWNSHIP OF O HARA AMENDING AND RESTATING THE CERTIFICATION OF SANITARY SEWER STATUS ORDINANCE NO. 1228, WHICH ESTABLISHES REQUIREMENTS

More information